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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $110,275 | $86,938+26.8% | $102,423+7.7% | $80,925+36.3% |
| Participation rate | 62.1% | 72.4%-10.3pp | 76.5%-14.4pp | 67.7%-5.6pp |
| Annual return | 11.35% | 18.89%-7.5pp | 29.42%-18.1pp | 35.65%-24.3pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $6,301 | $4,120+52.9% | $5,054+24.7% | $4,299+46.6% |
| Admin fee / account holder | $18,808 | $8,053+133.6% | $9,455+98.9% | $6,940+171.0% |